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Whole Life

A lifetime of protection

Unexpected life events don’t have to create financial hardship for the ones you love. Long-term financial instruments such as whole life insurance offer a dependable way for you keep your loved ones financially secure even after you’ve gone.

When you choose one of American National’s whole life insurance policies, you’re choosing a lifetime of protection. Our whole life products provide guaranteed benefits for your loved ones after you’re gone, as long as the premiums are paid in a timely manner. 

Features of whole life insurance include:

Fixed premium – Budgeting is easy with a consistent premium payment.

Accumulation of a cash value – Cash value accumulates over time, and some policies may allow you to borrow against it. 

Fixed benefit – You can choose the amount you leave to loved ones, and rest easy knowing that’s what they’ll get.

  • Guaranteed Death Benefit: The face amount of the policy will be paid to the beneficiary tax-free upon the death of the insured assuming no outstanding loans and premiums are paid as outlined in the policy.
  • Guaranteed Level Premiums: The level premiums are guaranteed to remain the same for the life of the policy. Premiums payable to age 90.
  • Guaranteed Cash Value: Through continued premium payments, the cash value will grow tax-deferred at a fixed rate and is available to borrow in the event of a financial emergency or other need.

Form Series: NPWL18

  • Guaranteed Death Benefit: The face amount of the policy will be paid to the beneficiary tax-free upon the death of the insured assuming no outstanding loans and premiums are paid as outlined in the policy.
  • Guaranteed Level Premiums: The level premiums are guaranteed to remain the same for the life od the policy. Premiums payable to age 95.
  • Guaranteed Cash Value: Through continued premium payments, the cash value will grow tax-deferred at a fixed rate and is available to borrow in the event of a financial emergency or other need.

Form Series: NPWL18

  • Guaranteed Death Benefit: The face amount of the policy will be paid to the beneficiary tax-free upon the death of the insured assuming no outstanding loans and premiums are paid as outlined in the policy.
  • Guaranteed Level Premiums: The level premiums are guaranteed to remain the same for the life of the policy.
  • Guaranteed Cash Value: Through continued premium payments, the cash value will grow tax-deferred at a fixed rate and is available to borrow in the event of a financial emergency or other need.
  • Dividends: Offers the potential to receive dividends on your policy. Dividends are not guaranteed but American National has a history of paying dividends on participating products.
  • Paid-Up Additions Rider - Allows the client to purchase paid-up participating whole life insurance at the time of application or through scheduled payments for a specified duration of time. 

Form Series: PWL16

  • Available for individuals age 45-80 who cannot qualify for a standard or rated policy.
  • No underwriting requirements required to qualify.  Qualification is based on questions in the application.
  • Guaranteed Death Benefit and Level premiums.
  • For the first two years, the Death Benefit is equal to 110% of the premium due and paid. Beginning the third policy year, the Death Benefit is equal to the face amount of the policy.
  • Full benefits for death by accident during the first two years.

Form Series: GBL13; GBL18

  • Provides permanent protection for the life of the insured and is paid up after 20 years.
  • Guaranteed Death Benefit: The face amount of the policy will be paid to the beneficiary tax-free upon the death of the insured assuming no outstanding loans and premiums are paid as outlined in the policy.
  • Guaranteed Level Premiums: The level premiums are guaranteed to remain the same for the life of the policy; premium payable for 20 years.
  • Guaranteed Cash Value: Through continued premium payments, the cash value will grow tax-deferred at a fixed rate and is available to borrow in the event of a financial emergency or other needs.

Form Series: NPWL18

  • Guaranteed increasing permanent protection as the coverage increases at 5% of the initial death benefit amount per year, until doubles, then provides a level death benefit for the life of the insured.
  • Guaranteed Level Premiums: Level premiums are payable for 21 years and after the 21st policy anniversary the policy is paid-up.
  • Guaranteed Cash Value: Through continued premium payments, the cash value will grow tax deferred at a fixed rate and is available to borrow in the event of a financial emergency or other need.

Form Series: NPWL18

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